CN108960839A - A kind of method of payment and device - Google Patents
A kind of method of payment and device Download PDFInfo
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- CN108960839A CN108960839A CN201810636745.5A CN201810636745A CN108960839A CN 108960839 A CN108960839 A CN 108960839A CN 201810636745 A CN201810636745 A CN 201810636745A CN 108960839 A CN108960839 A CN 108960839A
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- user
- verifying
- payment verification
- payment
- spare
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
Disclose a kind of method of payment and device.A kind of method of payment, this method comprises: judging whether the spare payment verification mode that user is opened includes the verifying of user biological characteristic information in the case where the payment cipher authentication error that user is inputted；If so, determining spare payment verification mode recommended to the user for the verifying of user biological characteristic information, so that user preferentially selects user biological characteristic information to verify；If not, it is determined that spare payment verification mode recommended to the user is the verifying of non-user biological information；Recommend identified spare payment verification mode to user；Payment verification is carried out according to the spare payment verification mode that user selects.
Description
Technical field
This specification embodiment is related to technical field of electronic commerce more particularly to a kind of method of payment and device.
Background technique
With the development of intelligent terminal and popularizing for internet, mobile payment is had evolved into as the following main payment
The trend of mode, the following various payment softwares are greatly developed, such as Alipay, wechat etc., user
Usable payment software carries out the operation such as pay the bill.
In the actual application of payment software, user generally uses payment cipher to carry out payment verification, and user can
Payment cipher (numerical character password) and other code obfuscations, such as user can may be stepped on payment cipher with what some was applied
Code obfuscation is recorded, leads to payment cipher authentication error, to be unable to complete payment, such as user is paid the bill using Alipay
When, user is because leading to payment cipher authentication error for payment cipher and other code obfuscations, to be unable to complete payment.It needs at this time
It wants user to terminate this time to pay, gives payment cipher for change, and re-start payment after giving payment cipher for change.It can be seen that
User needs to interrupt and this time pay in existing mode, and payment can be just re-started after giving payment cipher for change, for
For user, the operating cost of user is thus increased, user experience is poor.
Summary of the invention
In view of the above technical problems, this specification embodiment provides a kind of method of payment and device, technical solution are as follows:
A kind of method of payment, this method comprises:
In the case where the payment cipher authentication error that user is inputted, the spare payment verification side that user is opened is judged
Whether formula includes the verifying of user biological characteristic information；
If so, determining spare payment verification mode recommended to the user for the verifying of user biological characteristic information, to use
Family preferentially selects user biological characteristic information to verify；
If not, it is determined that spare payment verification mode recommended to the user is the verifying of non-user biological information；
Recommend identified spare payment verification mode to user；
Payment verification is carried out according to the spare payment verification mode that user selects.
A kind of payment mechanism, the device include:
Judgment module in the case where payment cipher authentication error for being inputted in user, judges current spare payment
Whether verification mode includes the verifying of user biological characteristic information；
First determining module is used for if so, determining that spare payment verification mode recommended to the user is that user biological is special
Information Authentication is levied, so that user preferentially selects user biological characteristic information to verify；
Second determining module, for if not, it is determined that spare payment verification mode recommended to the user is non-user biology
Characteristic information verifying；
Recommending module, for recommending identified spare payment verification mode to user；
Authentication module, the spare payment verification mode for being selected according to user carry out payment verification.
Technical solution provided by this specification embodiment, in the case where the payment cipher authentication error of user's input,
It can be recommended in a manner of spare payment verification by adaptive to user, in a manner of the spare payment verification for recommending user's selection,
Payment verification is carried out according to the spare payment verification mode that user selects, to complete to pay.For a user, without interrupting
It this time pays, reduces the operating cost of user, the user experience is improved.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is the flow diagram of the method for payment of this specification embodiment；
Fig. 2 is the schematic diagram for recommending face verification to user of this specification embodiment；
Fig. 3 is the schematic diagram of the resetting payment cipher of this specification embodiment；
Fig. 4 is the structural schematic diagram of the payment mechanism of this specification embodiment；
Fig. 5 is the structural schematic diagram for configuring a kind of equipment of this specification embodiment device.
Specific embodiment
Mobile payment is exactly to allow user using the payment software installed on mobile terminal to the commodity or service consumed
A kind of method of service of account payment is carried out, mobile terminal here can be the portable terminals such as mobile phone, plate, notebook and set
It is standby.Because mobile payment has many characteristics, such as mobility, timeliness, customization, integration, so that mobile payment has evolved into
For the trend of the following main means of payment.
In the practical application of payment software, user is often by payment cipher and other code obfuscations, for example, user may
The login password of payment cipher and some websites is obscured, payment cipher authentication error is caused, to be unable to complete payment, at this time
It needs user to terminate this time to pay, gives payment cipher for change, and re-start payment after giving payment cipher for change.It is possible thereby to see
Out, in the case where payment cipher authentication error, user, which needs to interrupt, this time to be paid, and gives password for change, and after giving password for change
Payment can just be re-started.For a user, the operating cost of user is increased, user experience is poor.
In view of the above-mentioned problems, this specification embodiment provides a variety of spare payment verification modes, user can open in advance
The spare payment verification mode in addition to payment cipher verifying is opened, wherein spare payment verification mode can be face verification, sound
Wave verifying, fingerprint authentication, dynamic token verifying, the verifying of security problem etc..When user is because by payment cipher and some websites
Login password is obscured, and when leading to payment cipher authentication error, can be recommended in a manner of spare payment verification by adaptive to user, with
So that user is selected the spare payment verification mode recommended, payment is carried out according to the spare payment verification mode that user selects and is tested
Card, to complete to pay.For a user, it is this time paid without interrupting, reduces the operating cost of user, improve user
Experience.
Technical solution provided by specific this specification embodiment is as follows:
In the case where the payment cipher authentication error that user is inputted, the spare payment verification side that user is opened is judged
Whether formula includes the verifying of user biological characteristic information；If so, determining that spare payment verification mode recommended to the user is user
Biological information verifying, so that user preferentially selects user biological characteristic information to verify；If not, it is determined that recommended to the user
Spare payment verification mode is the verifying of non-user biological information；Recommend identified spare payment verification mode to user；
Payment verification is carried out according to the spare payment verification mode that user selects.
In order to make those skilled in the art more fully understand the technical solution in this specification embodiment, below in conjunction with this
Attached drawing in specification embodiment is described in detail the technical solution in this specification embodiment, it is clear that described
Embodiment is only a part of the embodiment of this specification, instead of all the embodiments.The embodiment of base in this manual,
Those of ordinary skill in the art's every other embodiment obtained, all should belong to the range of protection.
As shown in Figure 1, a kind of implementation flow chart of the method for payment provided for this specification embodiment, this method can wrap
Include following steps:
S101 judges the spare payment that user is opened in the case where the payment cipher authentication error that user is inputted
Whether verification mode includes the verifying of user biological characteristic information；
Currently, due to various applications, it could be used the user usually needs to login account and apply upper resource, therefore
For a user, it may need to remember multiple account passwords simultaneously, since the account password for needing to remember is more, user may
Payment cipher and other account passwords are obscured, such as user may obscure the login password that payment cipher is applied with some.
Therefore when user pays the commodity or service consumed, in fact it could happen that the payment cipher authentication error that user is inputted
The case where.
In the case where the payment cipher authentication error that user is inputted, the spare payment verification side that user is opened is judged
Whether formula includes the verifying of user biological characteristic information.The payment cipher that wherein user is inputted can be user's input for the first time
Payment cipher is also possible to the payment cipher of second of input, it is meant that verifies in the payment cipher of user's input for the first time wrong
In the case where accidentally, i.e., triggering judges whether the spare payment verification mode that user is opened includes that user biological characteristic information is tested
Card, in the case where being also possible to the payment cipher authentication error inputted at second of user, triggering judges that user is opened standby
It whether include the verifying of user biological characteristic information with payment verification mode, this specification embodiment is not construed as limiting this.
In addition, the spare payment verification mode that user is opened may include the verifying of user biological characteristic information, dynamic is enabled
Board verifying, security problem verifying etc., the purpose that user opens spare payment verification mode in advance is to test in payment cipher
In the case where card mistake, spare payment verification mode can be used and carry out payment verification, to complete to pay.
S102, if so, determine that spare payment verification mode recommended to the user is verified for user biological characteristic information, with
Make user that user biological characteristic information preferentially be selected to verify；
If the spare payment verification mode that user is opened is verified comprising user biological characteristic information, it is determined that pushed away to user
The spare payment verification mode recommended is the verifying of user biological characteristic information, so that user preferentially selects user biological characteristic information to test
Card, wherein determining that spare payment verification mode recommended to the user is before user biological characteristic information is verified, to judge to move
Whether terminal possesses the permission for calling user biological characteristic information acquisition module, recommends if so, can directly determine to user
Spare payment verification mode be user biological characteristic information verifying, if it is not, then user is prompted to authorize, authorize it in user
Afterwards, determine spare payment verification mode recommended to the user for the verifying of user biological characteristic information.Wherein user biological feature is believed
Breath acquisition module can be camera on mobile terminal, microphone, information collection button etc..
Wherein user biological characteristic information verifying may include face verification, sound wave verifying, fingerprint authentication etc., according to working as
The characteristic information in a certain respect of preceding payment scene, may further determine that user in spare payment verification mode recommended to the user
The classification of biological information verifying.
Whether the light luminance information of specific available current payment scene, judge acquired light luminance information
Meet preset requirement.If acquired light luminance information meets preset requirement, it is determined that spare branch recommended to the user
Paying verification mode is face verification, so that user preferentially selects face verification.If acquired light luminance information is unsatisfactory for pre-
If requirement, it is determined that spare payment verification mode recommended to the user be sound wave verify or fingerprint authentication.In some scenes,
Due to insufficient light, cause currently to pay too dark brightness in scene, or since light is too strong, causes currently to pay bright in scene
It spends bright, therefore before determining spare payment verification mode recommended to the user, obtains the light luminance of current payment scene
Information judges acquired light luminance information whether in preset section, if acquired light luminance information is default
Section in, then the light luminance of the current payment scene of explanation is good, can determine spare payment verification side recommended to the user
Formula is face verification, otherwise determines that spare payment verification mode recommended to the user is sound wave verifying or fingerprint authentication.
Secondly, determining that spare payment verification mode recommended to the user is that sound wave is verified or fingerprint authentication specifically can wrap
It includes: obtaining the noise information of current payment scene, judge whether acquired noise information meets preset requirement, if acquired
Noise information meet preset requirement, it is determined that spare payment verification mode recommended to the user be sound wave verifying, if being obtained
The noise information taken is unsatisfactory for preset requirement, it is determined that spare payment verification mode recommended to the user is fingerprint authentication.Such as
It is described above, if currently the light luminance of payment scene is too dark or too bright, it can further obtain current payment scene
Noise information.In some scenes, the noise that may currently pay in scene is larger, is unfavorable for user and is carried out using sound wave verifying
Payment verification.For example, in daily life, the receptible noise of institute is 60 decibels hereinafter, for this theory when people normally work and rest
Bright book embodiment is same, if currently the noise (decibel value) in payment scene is more than some threshold value, may cause use
Sound wave carries out the success rate decline of payment verification.Therefore the noise information of available current payment scene judges acquired
Whether noise information meets preset requirement, determines that spare payment verification mode recommended to the user is sound according to judging result
Wave verifying or fingerprint authentication.
Special, user's principal amount to be paid in current payment scene is obtained, if user's fund to be paid
When the amount of money is more than some threshold value, then can directly determine spare payment verification mode recommended to the user is iris verification.
S103, if not, it is determined that spare payment verification mode recommended to the user is the verifying of non-user biological information；
If the spare payment verification mode that user is opened is verified not comprising user biological characteristic information, use can be determined
The spare payment verification mode that family is opened is verified comprising non-user biological information, determines spare payment recommended to the user
Verification mode is the verifying of non-user biological information, and non-user biological information verifying may include that dynamic token is tested
Card, the verifying of security problem.Here dynamic token verifying can be short-message verification, be also possible to send identifying code progress by mailbox
Verifying, security problem can be password authentification, i.e., the close guarantor's problem being arranged when payment cipher is arranged, by verifying close guarantor's problem
To carry out payment verification.
Wherein determine that spare payment verification mode recommended to the user is that the verifying of non-user biological information may include:
The number for obtaining the verifying of selection dynamic token and the verifying of security problem in user's history, if selecting dynamic token in user's history
Number be greater than selection security problem verifying number, it is determined that spare payment verification mode recommended to the user be dynamic token
Verifying, if the number of security problem verifying is selected to be greater than the number for selecting dynamic token in user's history, it is determined that pushed away to user
The spare payment verification mode recommended is the verifying of security problem.As an example, selection is dynamic such as in the user's history that gets
The number of state token authentication is 10, and the number for selecting security problem to verify in the user's history got is 5, then can determine use
Family selects the number of dynamic token to be greater than the number of selection security problem verifying in history, determines spare payment recommended to the user
Verification mode is dynamic token verifying.
S104 recommends identified spare payment verification mode to user；
After determining spare payment verification mode recommended to the user, recommend identified spare payment verification to user
Mode, identified spare payment verification mode can be face verification as stated above, sound wave verifying, fingerprint authentication etc.
Deng.
Wherein the implementation of identified spare payment verification mode is recommended to can be in the form of prompting frame to user
Recommended, in the prompting frame can directly to prompt user using in a manner of identified spare payment verification, as shown in Figure 2 to
The spare payment verification mode that user recommends is face verification, and user can choose the spare payment verification mode for using and being recommended
Carry out payment verification.
S105 carries out payment verification according to the spare payment verification mode that user selects.
The selected spare payment verification mode of user may be that this specification embodiment is recommended, it is also possible to user
The other spare payment verification modes reselected carry out payment verification according to the spare payment verification mode that user selects.With
For face verification, after user has selected face verification, the face acquisition module of mobile terminal, such as mobile terminal are called
Camera, acquire user's face picture, matched with pre-stored user's face picture, if successful match, paid
It is verified, after payment verification passes through, completes payment.
On the basis of above-mentioned technical proposal, this specification embodiment further can with the following steps are included:
S106, after payment verification passes through, guidance user resets payment cipher.
It carries out user being guided to branch after payment verification passes through in the spare payment verification mode selected according to user
It pays password to be reset, resets payment cipher, as shown in figure 3, so that branch can be used normally in payment next time in user
It pays password and carries out payment verification.
Pass through the description to above-mentioned this specification embodiment technical solution, it can be seen that close in the payment that user is inputted
In the case where code authentication error, this specification embodiment can be recommended in a manner of spare payment verification by adaptive to user, so that
User selects the spare payment verification mode recommended, and carries out payment verification according to the spare payment verification mode that user selects,
To complete to pay.For a user, it is this time paid without interrupting, reduces the operating cost of user, improve user's body
It tests.
Corresponding with above method embodiment, this specification embodiment also provides a kind of payment mechanism, as shown in figure 4, should
Device may include: judgment module 410, the first determining module 420, the second determining module 430, recommending module 440, authentication module
450。
The judgment module 410, in the case where payment cipher authentication error for being inputted in user, judgement is current standby
It whether include the verifying of user biological characteristic information with payment verification mode；
First determining module 420 is used for if so, determining that spare payment verification mode recommended to the user is user
Biological information verifying, so that user preferentially selects user biological characteristic information to verify；
Second determining module 430, for if not, it is determined that spare payment verification mode recommended to the user is non-use
The verifying of family biological information；
The recommending module 440, for recommending identified spare payment verification mode to user；
The authentication module 450, the spare payment verification mode for being selected according to user carry out payment verification.
According to a kind of specific embodiment that this specification provides, first determining module 420 is specifically used for:
Obtain the light luminance information of current payment scene；
Whether the acquired light luminance information of judgement meets preset requirement；
If so, determining that spare payment verification mode recommended to the user is face verification, so that user preferentially selects people
Face verifying.
According to a kind of specific embodiment that this specification provides, described device further include: third determining module 460；
The third determining module 460, for if not, it is determined that spare payment verification mode recommended to the user is sound wave
Verifying or fingerprint authentication.
According to a kind of specific embodiment that this specification provides, the third determining module 460 is specifically used for:
Obtain the noise information of current payment scene；
Whether the acquired noise information of judgement meets preset requirement；
If so, determining spare payment verification mode recommended to the user for sound wave verifying；
If not, it is determined that spare payment verification mode recommended to the user is fingerprint authentication.
According to a kind of specific embodiment that this specification provides, second determining module 430 is specifically used for:
Obtain the number of the verifying of selection dynamic token and the verifying of security problem in user's history；
If the number of dynamic token is selected to be greater than the number of selection security problem verifying in user's history, it is determined that user
The spare payment verification mode recommended is dynamic token verifying；
If the number of security problem verifying is selected to be greater than the number of selection dynamic token in user's history, it is determined that user
The spare payment verification mode recommended is the verifying of security problem.
According to a kind of specific embodiment that this specification provides, described device further include: resetting module 470；
The resetting module 470, for after payment verification passes through, guidance user to reset payment cipher.
The function of modules and the realization process of effect are specifically detailed in the above method and correspond to step in above-mentioned apparatus
Realization process, details are not described herein.
Pass through the description to above-mentioned this specification embodiment technical solution, it can be seen that close in the payment that user is inputted
In the case where code authentication error, this specification embodiment can be recommended in a manner of spare payment verification by adaptive to user, so that
User selects the spare payment verification mode recommended, and carries out payment verification according to the spare payment verification mode that user selects,
To complete to pay.For a user, it is this time paid without interrupting, reduces the operating cost of user, improve user's body
It tests.
This specification embodiment also provides a kind of computer equipment, as shown in figure 5, the equipment may include: processor
510, memory 520, input/output interface 530, communication interface 540 and bus 550.Wherein processor 510, memory 520,
Input/output interface 530 and communication interface 540 pass through the communication connection between the realization of bus 550 inside equipment.
Processor 510 can use general CPU (Central Processing Unit, central processing unit), micro process
Device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one or
The modes such as multiple integrated circuits are realized, for executing relative program, to realize technical solution provided by this specification embodiment.
Memory 520 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 520 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 520, and execution is called by processor 510.
Input/output interface 530 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 540 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 550 includes an access, in various components (such as the processor 510, memory 520, input/output of equipment
Interface 530 and communication interface 540) between transmit information.
It should be noted that although above equipment illustrates only processor 510, memory 520, input/output interface
530, communication interface 540 and bus 550, but in the specific implementation process, which can also include realizing to operate normally
Necessary other assemblies.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising realizing in above equipment
Component necessary to this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Method of payment above-mentioned is realized when sequence is executed by processor.This method includes at least:
A kind of method of payment is applied to mobile terminal, this method comprises:
In the case where the payment cipher authentication error that user is inputted, the spare payment verification side that user is opened is judged
Whether formula includes the verifying of user biological characteristic information；
If so, determining spare payment verification mode recommended to the user for the verifying of user biological characteristic information, to use
Family preferentially selects user biological characteristic information to verify；
If not, it is determined that spare payment verification mode recommended to the user is the verifying of non-user biological information；
Recommend identified spare payment verification mode to user；
Payment verification is carried out according to the spare payment verification mode that user selects.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for device reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.The apparatus embodiments described above are merely exemplary, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (13)
1. a kind of method of payment, be applied to mobile terminal, wherein payment verification mode in addition to payment cipher verifying, further include to
Few two kinds of spare payment verification modes, this method comprises:
In the case where the payment cipher authentication error that user is inputted, the spare payment verification mode for judging that user is opened is
It is no to be verified comprising user biological characteristic information；
If so, determining spare payment verification mode recommended to the user for the verifying of user biological characteristic information, so that user is excellent
First selection user biological characteristic information verifying；
If not, it is determined that spare payment verification mode recommended to the user is the verifying of non-user biological information；
Recommend identified spare payment verification mode to user；
Payment verification is carried out according to the spare payment verification mode that user selects.
2. according to the method described in claim 1, the determination spare payment verification mode recommended to the user is user biological
Characteristic information verifying, so that user preferentially selects user biological characteristic information to verify, comprising:
Obtain the light luminance information of current payment scene；
Whether the acquired light luminance information of judgement meets preset requirement；
If so, determining that spare payment verification mode recommended to the user is face verification, so that user preferentially selects face to test
Card.
3. according to the method described in claim 2, the method also includes:
If not, it is determined that spare payment verification mode recommended to the user is sound wave verifying or fingerprint authentication.
4. according to the method described in claim 3, the determination spare payment verification mode recommended to the user is sound wave verifying
Or fingerprint authentication, comprising:
Obtain the noise information of current payment scene；
Whether the acquired noise information of judgement meets preset requirement；
If so, determining spare payment verification mode recommended to the user for sound wave verifying；
If not, it is determined that spare payment verification mode recommended to the user is fingerprint authentication.
5. according to the method described in claim 1, the determination spare payment verification mode recommended to the user is raw for non-user
The verifying of object characteristic information, comprising:
Obtain the number of the verifying of selection dynamic token and the verifying of security problem in user's history；
If the number of dynamic token is selected to be greater than the number of selection security problem verifying in user's history, it is determined that recommend to user
Spare payment verification mode be dynamic token verifying；
If the number of security problem verifying is selected to be greater than the number of selection dynamic token in user's history, it is determined that recommend to user
Spare payment verification mode be security problem verifying.
6. according to the method described in claim 1, the method also includes:
After payment verification passes through, guidance user resets payment cipher.
7. a kind of payment mechanism, the device include:
Judgment module in the case where payment cipher authentication error for being inputted in user, judges current spare payment verification
Whether mode includes the verifying of user biological characteristic information；
First determining module is used for if so, determining spare payment verification mode recommended to the user for user biological feature letter
Breath verifying, so that user preferentially selects user biological characteristic information to verify；
Second determining module, for if not, it is determined that spare payment verification mode recommended to the user is non-user biological characteristic
Information Authentication；
Recommending module, for recommending identified spare payment verification mode to user；
Authentication module, the spare payment verification mode for being selected according to user carry out payment verification.
8. device according to claim 7, first determining module is specifically used for:
Obtain the light luminance information of current payment scene；
Whether the acquired light luminance information of judgement meets preset requirement；
If so, determining that spare payment verification mode recommended to the user is face verification, so that user preferentially selects face to test
Card.
9. device according to claim 8, described device further include:
Third determining module, for if not, it is determined that spare payment verification mode recommended to the user is sound wave verifying or fingerprint
Verifying.
10. device according to claim 9, the third determining module is specifically used for:
Obtain the noise information of current payment scene；
Whether the acquired noise information of judgement meets preset requirement；
If so, determining spare payment verification mode recommended to the user for sound wave verifying；
If not, it is determined that spare payment verification mode recommended to the user is fingerprint authentication.
11. device according to claim 7, second determining module is specifically used for:
Obtain the number of the verifying of selection dynamic token and the verifying of security problem in user's history；
If the number of dynamic token is selected to be greater than the number of selection security problem verifying in user's history, it is determined that recommend to user
Spare payment verification mode be dynamic token verifying；
If the number of security problem verifying is selected to be greater than the number of selection dynamic token in user's history, it is determined that recommend to user
Spare payment verification mode be security problem verifying.
12. device according to claim 7, described device further include:
Module is reset, for after payment verification passes through, guidance user to reset payment cipher.
13. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, wherein the processor realizes such as method as claimed in any one of claims 1 to 6 when executing described program.
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